St. Louis, MI
St. Louis, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, St. Louis lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,844 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Louis at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
St. Louis rates 89.6% Minimal exposure against just 10.4% Direct and 0% Indirect — of 1,844 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
St. Louis against the rest of the country
There's little gap between St. Louis's 5th national percentile and its 11th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, St. Louis ranks 30,077 for wildfire risk (1 is highest) and 7,928 by building count (1 is largest). Within Michigan alone, it ranks 670 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
What this risk score means for insurance
St. Louis's low wildfire rating (5th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 89.6% of buildings rated Minimal exposure, St. Louis gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,844 counted buildings into the percentiles shown above for St. Louis. For more on what minimal exposure implies beyond St. Louis, see the exposure-zones guide.